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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,431 | $47,448+18.9% | $94,993-40.6% | $62,293-9.4% |
| Participation rate | 15.1% | 66.5%-51.4pp | 73.9%-58.8pp | 69.5%-54.4pp |
| Annual return | 17.22% | 22.64%-5.4pp | 27.14%-9.9pp | 28.90%-11.7pp |
| Employer contribution / active EE | $0 | $1,300-100.0% | $2,603-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,134 | $2,375-52.2% | $3,317-65.8% | $3,169-64.2% |
| Admin fee / account holder | $2 | $434-99.5% | $4,960-100.0% | $479-99.6% |